Hi, I am from Belmar not that far from you. Yes I am the one who got her interested in the surgery infact this Tuesday I am schduled for mine. My insurance is Qualcare so I got approved rather easily but she has Horizon who told her at first all she needed was precertification. So she went through the six months of doctors, testing etc. Then our Md called her insurance and that is when she found out about the no weight loss surgery clause. She can't even appeal since it is in her policy. She found out after the fact another employee was denied 2 years ago. I told her to find another job first they made her take a $10,000 pay cut to keep her job and now this. They are not very nice people to work for. I told her I would try and help her out money wise but it is just too expensive with the docter and the hospital. Their insurance policys change is May maybe with the new health care bill the company will not be able to put that clause in being it is preventative medicine.